First Financial Bank Mortgage Rates, Fees & Info

Abilene, TX

LEI: 549300IVURCTJ6QVMD67

Tax ID: 75-0264200

5 stars - out of 5 stars, based on 78 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First Financial Bank is a small bank specializing in Home Purchase and Refi loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Abilene, Houston, San Angelo, and Beaumont among others. We have data for 77 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Financial Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.29% 10/3/22
    30 Year Conventional Purchase 6.52% 10/3/22
    30 Year Conventional Refi 6.35% 10/3/22
    30 Year Cash-out Refi 6.55% 10/3/22
    30 Year FHA Purchase 7.62% 10/3/22
    30 Year FHA Refi 6.81% 10/3/22
    30 Year VA Purchase 6.20% 10/3/22
    30 Year VA Refi 5.94% 10/3/22
    30 Year USDA Purchase 6.97% 10/3/22
    15 Year Conventional Purchase 7.03% 10/3/22
    15 Year Conventional Refi 6.45% 10/3/22
    15 Year Cash-out Refi 6.45% 10/3/22
    15 Year VA Refi 7.00% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    6,133

    Origination Dollar Volume (All Markets)

    $1,553,425,000

    Employee count

    1,444 Show all (20) awards

    Relative Rate

    First Financial Bank's average 30 year fixed mortgage rate was 3.04%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.11%.

    Relative Fees (Closing Costs)

    First Financial Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,865.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2,060 $606,620,000 $294,476 $4,552 3.40%
    ABILENE, TX (FHA|USDA|VA) 1,223 $245,545,000 $200,773 $3,934 3.31%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 443 $119,675,000 $270,147 $4,133 3.51%
    Outside of Metro Areas 445 $92,895,000 $208,753 $3,378 3.61%
    SAN ANGELO, TX (FHA|USDA|VA) 342 $83,620,000 $244,503 $4,850 3.17%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 318 $66,510,000 $209,151 $3,030 3.70%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 227 $62,585,000 $275,705 $3,799 3.36%
    Granbury, TX (FHA|USDA|VA) 216 $53,030,000 $245,509 $3,786 3.46%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 131 $47,465,000 $362,328 $4,632 2.94%
    Stephenville, TX (FHA|USDA|VA) 192 $42,880,000 $223,333 $3,274 3.47%
    Mineral Wells, TX (FHA|USDA|VA) 91 $18,475,000 $203,022 $3,779 3.79%
    Huntsville, TX (FHA|USDA|VA) 70 $14,470,000 $206,714 $3,084 3.52%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 37 $11,885,000 $321,216 $4,424 3.03%
    Sweetwater, TX (FHA|USDA|VA) 79 $11,655,000 $147,532 $2,885 3.89%
    MIDLAND, TX (FHA|USDA|VA) 16 $5,580,000 $348,750 $4,256 3.28%
    Brownwood, TX (FHA|USDA|VA) 20 $5,010,000 $250,500 $3,436 3.70%
    Edwards, CO (FHA|USDA|VA) 2 $4,490,000 $2,245,000 $3,585 2.56%
    LUBBOCK, TX (FHA|USDA|VA) 16 $3,540,000 $221,250 $3,860 3.55%
    AMARILLO, TX (FHA|USDA|VA) 13 $3,445,000 $265,000 $3,531 3.48%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,995,000 $998,333 $0 3.98%
    Taos, NM (FHA|USDA|VA) 1 $2,755,000 $2,755,000 $0 4.00%
    El Campo, TX (FHA|USDA|VA) 14 $2,550,000 $182,143 $3,888 4.23%
    Kerrville, TX (FHA|USDA|VA) 6 $2,420,000 $403,333 $4,975 3.10%
    TYLER, TX (FHA|USDA|VA) 10 $2,320,000 $232,000 $3,403 2.93%
    ODESSA, TX (FHA|USDA|VA) 11 $2,285,000 $207,727 $4,632 3.20%
    Hereford, TX (FHA|USDA|VA) 19 $2,245,000 $118,158 $3,277 4.09%
    Fredericksburg, TX (FHA|USDA|VA) 5 $2,225,000 $445,000 $8,983 4.05%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 11 $2,225,000 $202,273 $3,206 3.94%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $2,160,000 $360,000 $3,904 3.13%
    Ruidoso, NM (FHA|USDA|VA) 6 $2,110,000 $351,667 $5,219 3.30%
    Gainesville, TX (FHA|USDA|VA) 6 $1,940,000 $323,333 $5,298 3.31%
    Kalispell, MT (FHA|USDA|VA) 2 $1,820,000 $910,000 $3,273 3.75%
    Athens, TX (FHA|USDA|VA) 4 $1,680,000 $420,000 $6,229 3.72%
    Bay City, TX (FHA|USDA|VA) 6 $1,600,000 $266,667 $4,294 3.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 4 $1,540,000 $385,000 $4,151 3.69%
    EL PASO, TX (FHA|USDA|VA) 5 $1,395,000 $279,000 $6,379 2.98%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,325,000 $265,000 $4,147 3.05%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $965,000 $965,000 $17,722 3.00%
    WACO, TX (FHA|USDA|VA) 5 $945,000 $189,000 $2,361 3.53%
    WICHITA FALLS, TX (FHA|USDA|VA) 6 $880,000 $146,667 $3,539 3.63%
    Corsicana, TX (FHA|USDA|VA) 2 $640,000 $320,000 $4,289 3.73%
    Big Spring, TX (FHA|USDA|VA) 6 $610,000 $101,667 $965 4.58%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $600,000 $300,000 $2,521 3.55%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $585,000 $585,000 $5,156 3.00%
    Rockport, TX (FHA|USDA|VA) 2 $580,000 $290,000 $5,158 3.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $545,000 $545,000 $3,054 2.13%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,703 2.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $545,000 $545,000 $4,034 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $545,000 $545,000 $5,002 2.50%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $535,000 $535,000 $4,359 2.50%
    Brenham, TX (FHA|USDA|VA) 3 $505,000 $168,333 $0 4.05%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $495,000 $495,000 $4,876 3.75%
    Uvalde, TX (FHA|USDA|VA) 1 $485,000 $485,000 $5,762 2.50%
    Snyder, TX (FHA|USDA|VA) 3 $485,000 $161,667 $2,191 3.73%
    Hobbs, NM (FHA|USDA|VA) 2 $460,000 $230,000 $6,361 2.94%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $435,000 $435,000 $1,980 2.88%
    Lufkin, TX (FHA|USDA|VA) 2 $400,000 $200,000 $3,012 3.23%
    TULSA, OK (FHA|USDA|VA) 2 $380,000 $190,000 $4,374 2.63%
    Nacogdoches, TX (FHA|USDA|VA) 2 $370,000 $185,000 $5,688 3.81%
    Bonham, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,155 3.69%
    Montrose, CO (FHA|USDA|VA) 1 $335,000 $335,000 $3,586 2.88%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $325,000 $325,000 $8,759 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $305,000 $305,000 $3,375 2.38%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.50%
    LONGVIEW, TX (FHA|USDA|VA) 3 $265,000 $88,333 $2,584 4.02%
    Palestine, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,617 2.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,523 2.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,816 2.75%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,778 3.79%
    SAVANNAH, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,542 3.38%
    Port Lavaca, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.75%
    Salina, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.25%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $125,000 $125,000 $1,964 5.55%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $115,000 $115,000 $2,832 4.13%
    Clovis, NM (FHA|USDA|VA) 1 $65,000 $65,000 $1,444 3.88%
    Vernon, TX (FHA|USDA|VA) 1 $55,000 $55,000 $3,542 3.49%

    First Financial Bank's top markets include Dallas, Abilene, Houston, San Angelo, and Beaumont among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    EDUCATION FIRST
    Similarity Rank: 115
    NECHES
    Similarity Rank: 184
    MCT Credit Union
    Similarity Rank: 245
    AMOCO
    Similarity Rank: 405
    MOBILOIL
    Similarity Rank: 450
    United Heritage Credit Union
    Similarity Rank: 636
    STANDARD MORTGAGE CORPORATION
    Similarity Rank: 1088
    American Momentum Bank
    Similarity Rank: 1089
    SCHLUMBERGER EMPLOYEES CREDIT UNION
    Similarity Rank: 1320

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,275 $1,376,195,000 $260,890 $3,750 3.41%
    HELOC 424 $69,540,000 $164,009 n/a 4.11%
    VA 226 $67,520,000 $298,761 $7,756 2.64%
    FHA 201 $39,125,000 $194,652 $7,255 3.22%
    USDA 7 $1,045,000 $149,286 $4,998 3.11%

    For 2021, First Financial Bank's most frequently originated type of loan was Conventional, with 5,275 originations. Their 2nd most popular type was HELOC, with 424 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,901 $815,015,000 $280,943 $5,407 3.46%
    Refi 1,531 $397,535,000 $259,657 $3,118 2.91%
    Cash Out Refi 938 $250,630,000 $267,196 $3,839 3.42%
    Home Improvement 570 $64,860,000 $113,789 $1,242 4.32%
    Other 192 $25,260,000 $131,563 $1,223 4.26%
    NA 1 $125,000 $125,000 $0 3.95%

    For 2021, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 2,901 originations. The 2nd most popular reason was Refi, with 1,531 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,130 $913,020,000 $291,700 $4,865 3.04%
    15 Year 1,390 $275,230,000 $198,007 $2,607 3.48%
    20 Year 782 $166,480,000 $212,890 $3,609 3.91%
    Other 418 $100,550,000 $240,550 $3,508 4.55%
    10 Year 248 $41,270,000 $166,411 $1,385 3.82%
    1 Year 79 $25,625,000 $324,367 $11,441 4.62%
    5 Year 55 $12,155,000 $221,000 $627 4.41%
    30+ year 29 $18,495,000 $637,759 $10,749 3.85%
    3 Year 2 $600,000 $300,000 $0 4.50%

    For 2021, First Financial Bank's most frequently cited loan duration was 30 Year, with 3,130 originations. The 2nd most popular length was 15 Year, with 1,390 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,402 $864,190,000 $254,024
    $1k-2k 962 $234,070,000 $243,316
    $2k-3k 166 $52,720,000 $317,590
    $3k-4k 81 $33,735,000 $416,481
    $5k+ 55 $39,215,000 $713,000
    $4k-5k 39 $19,565,000 $501,667

    First Financial Bank's average total fees were $4,865, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,402 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,123 $527,975,000 $248,693
    2.5-3% 1,858 $546,160,000 $293,950
    4-5% 1,098 $221,570,000 $201,794
    <2.5% 862 $236,520,000 $274,385
    5-6% 174 $19,200,000 $110,345
    6-7% 14 $1,260,000 $90,000
    7-8% 2 $80,000 $40,000

    During 2021, First Financial Bank's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 3-4%, with 2,123 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,217 $629,865,000 $284,107 $4,488 3.10%
    $100k-200k 1,925 $286,255,000 $148,704 $3,447 3.50%
    $100,000 or less 1,038 $66,390,000 $63,960 $1,419 4.17%
    $400k-600k 784 $380,500,000 $485,332 $5,666 3.04%
    $600k-1MM 104 $79,070,000 $760,288 $8,760 3.87%
    $1MM+ 65 $111,345,000 $1,713,000 $14,357 3.87%

    2021 saw First Financial Bank place emphasis on $200k-400k loans with 2,217 originations, totaling $629,865,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,397 $343,825,000 $246,117 $3,940 3.28%
    $150k-250k 1,179 $346,275,000 $293,702 $4,203 3.34%
    $50k-75k 918 $157,810,000 $171,906 $4,251 3.32%
    $75k-100k 843 $175,455,000 $208,132 $3,849 3.31%
    $250k+ 737 $288,075,000 $390,875 $5,097 3.43%
    $50k or less 475 $64,865,000 $136,558 $3,345 3.46%

    First Financial Bank lent most frequently to those with incomes in the $100k-150k range, with 1,397 originations. The second most popular income band? $150k-250k, with 1,179 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,359 $326,535,000 $240,276 $3,999 3.30%
    30-36% 997 $248,505,000 $249,253 $3,843 3.33%
    <20% 597 $140,715,000 $235,704 $3,619 3.38%
    42% 273 $62,625,000 $229,396 $3,671 3.56%
    41% 248 $63,280,000 $255,161 $3,908 3.47%
    40% 220 $54,890,000 $249,500 $3,875 3.37%
    36% 205 $48,765,000 $237,878 $3,916 3.34%
    39% 203 $46,155,000 $227,365 $3,832 3.37%
    37% 180 $41,810,000 $232,278 $3,804 3.39%
    38% 179 $47,245,000 $263,939 $4,161 3.49%
    43% 179 $49,995,000 $279,302 $4,810 3.06%
    44% 144 $39,930,000 $277,292 $4,547 3.09%
    48% 116 $32,190,000 $277,500 $4,681 3.03%
    49% 112 $28,830,000 $257,411 $4,890 3.01%
    45% 109 $31,225,000 $286,468 $4,534 3.04%
    46% 108 $30,800,000 $285,185 $4,829 2.96%
    50-60% 98 $29,990,000 $306,020 $7,462 3.24%
    47% 97 $25,925,000 $267,268 $4,938 3.02%
    >60% 60 $19,540,000 $325,667 $4,840 3.93%

    First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 1,359 originations. The next most common DTI ratio? 30-36%, with 997 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,828 $1,193,940,000 $247,295 $3,943 3.34%
    Not applicable 484 $153,170,000 $316,467 $5,174 4.45%
    Not provided 571 $149,385,000 $261,620 $5,190 3.26%
    Asian 104 $25,080,000 $241,154 $4,270 3.26%
    Black 98 $21,640,000 $220,816 $4,777 3.38%
    American Indian 34 $6,790,000 $199,706 $4,153 3.41%
    Asian Indian 6 $1,770,000 $295,000 $5,480 3.52%
    Native Hawaiian or Islander 5 $1,095,000 $219,000 $6,343 2.90%
    Other Asian 2 $510,000 $255,000 $5,162 3.98%
    Korean 1 $45,000 $45,000 $0 3.95%

    Approval Rates

    Total approvals of all applications
    95.83%

    First Financial Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.46%

    First Financial Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,133 $1,553,425,000 $253,290

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,133 $1,553,425,000 $253,290

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 588 $90,410,000 $153,759 $2,233 3.69%
    40-60% 952 $222,300,000 $233,508 $3,342 3.28%
    60-80% 2,399 $690,565,000 $287,855 $4,000 3.38%
    80-100% 1,719 $495,885,000 $288,473 $5,195 3.25%
    Over 100% 69 $23,175,000 $335,870 $12,145 2.99%
    Under 20% 406 $31,090,000 $76,576 $895 4.39%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST FINANCIAL BANCORP Other type of mortgage Trouble during payment process 1 25.0%
    FIRST FINANCIAL BANCORP Conventional home mortgage Struggling to pay mortgage 1 25.0%
    FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Financial Bank, National Association 101 Northgate Dr Waxahachie, TX 75165 Full Service B&M $60,951
    First Financial Bank, National Association 1000 Forest Park Blvd Fort Worth, TX 76110 Full Service B&M $97,105
    First Financial Bank, National Association 101 College Park Drive Weatherford, TX 76086 Full Service B&M $305,036
    First Financial Bank, National Association 2006 Conrad Hilton Blvd Cisco, TX 76437 Full Service B&M $68,806
    First Financial Bank, National Association 2007 Highway 377 East Granbury, TX 76049 Full Service B&M $124,100
    First Financial Bank, National Association 201 East Main Eastland, TX 76448 Full Service B&M $196,330
    First Financial Bank, National Association 201 Elm Street Sweetwater, TX 79556 Full Service B&M $184,977
    First Financial Bank, National Association 2201 W. South Loop Stephenville, TX 76401 Full Service B&M $366,420
    First Financial Bank, National Association 2201 Westview Boulevard Conroe, TX 77304 Full Service B&M $22,510
    First Financial Bank, National Association 222 South Koenigheim Street San Angelo, TX 76903 Limited, Drive-thru $0
    First Financial Bank, National Association 2305 South Texas Avenue College Station, TX 77840 Full Service B&M $55,254
    First Financial Bank, National Association 24080 Us Highway 50 North, Suite 100 Kingwood, TX 77339 Full Service B&M $233,918
    First Financial Bank, National Association 2617 Antilley Road Abilene, TX 79606 Limited, Mobile/Seasonal Office $938
    First Financial Bank, National Association 26252 Kuykendahl Rd The Woodlands, TX 77375 Full Service B&M $11,688
    First Financial Bank, National Association 2900 South Texas Avenue Bryan, TX 77802 Full Service B&M $153,315
    First Financial Bank, National Association 400 Ground Street Moran, TX 76464 Full Service B&M $22,925
    First Financial Bank, National Association 400 Pine Street Abilene, TX 79601 Full Service B&M $1,270,075
    First Financial Bank, National Association 401 North Mechanic Street El Campo, TX 77437 Full Service B&M $112,850
    First Financial Bank, National Association 403 North Main & Herd Street Cleburne, TX 76031 Limited, Drive-thru $0
    First Financial Bank, National Association 403 North Main Street Cleburne, TX 76031 Full Service B&M $192,266
    First Financial Bank, National Association 4100 E I-20 South Service Rd Willow Park, TX 76087 Full Service B&M $110,052
    First Financial Bank, National Association 4316 Buffalo Gap Road Abilene, TX 79606 Full Service B&M $0
    First Financial Bank, National Association 4320 Buffalo Gap Road Abilene, TX 79605 Full Service B&M $0
    First Financial Bank, National Association 4350 Southwest Drive Abilene, TX 79606 Full Service Retail $21,841
    First Financial Bank, National Association 4450 State Highway 6 South College Station, TX 77845 Full Service B&M $160,731
    First Financial Bank, National Association 459 Main Street Palacios, TX 77465 Full Service B&M $77,219
    First Financial Bank, National Association 505 Farm Road 1187 North Aledo, TX 76008 Full Service B&M $124,359
    First Financial Bank, National Association 9330 State Hwy 75 S New Waverly, TX 77358 Full Service B&M $40,289
    First Financial Bank, National Association 95 Trophy Club Drive Trophy Club, TX 76262 Full Service B&M $157,031
    First Financial Bank, National Association 960 North Main Street Vidor, TX 77662 Full Service B&M $73,309
    First Financial Bank, National Association Highway 12 And Johnson Road Mauriceville, TX 77626 Full Service B&M $46,343
    First Financial Bank, National Association North First And Concho Roby, TX 79543 Full Service B&M $43,027
    First Financial Bank, National Association Rusk And Magnolia Streets Newton, TX 75966 Full Service B&M $35,897
    First Financial Bank, National Association Third And Sampson Streets Hereford, TX 79045 Full Service B&M $216,621
    First Financial Bank, National Association West College And Anderson Streets Rising Star, TX 76471 Full Service B&M $27,220
    First Financial Bank, National Association 1490 East Main Street Midlothian, TX 76065 Full Service B&M $62,258
    First Financial Bank, National Association 151 West Southlake Boulevard Southlake, TX 76092 Full Service B&M $153,628
    First Financial Bank, National Association 1600 South Morgan St. Granbury, TX 76049 Full Service B&M $71,621
    First Financial Bank, National Association 1650 State Highway 351 Abilene, TX 79601 Full Service Retail $11,478
    First Financial Bank, National Association 1716 Briarcrest Drive, Suite 400 Bryan, TX 77802 Full Service B&M $327,975
    First Financial Bank, National Association 1800 East Hubbard Street Mineral Wells, TX 76067 Full Service B&M $278,665
    First Financial Bank, National Association 1800 West White Oak Boulevard Conroe, TX 77304 Full Service B&M $291,282
    First Financial Bank, National Association 1801 Antilley Road Abilene, TX 79606 Full Service B&M $100,057
    First Financial Bank, National Association 1875 Lingleville Road Stephenville, TX 76401 Full Service B&M $0
    First Financial Bank, National Association 1900 Southwest Wilshire Burleson, TX 76028 Full Service B&M $68,527
    First Financial Bank, National Association 200 East Highway 67 Alvarado, TX 76009 Full Service B&M $44,019
    First Financial Bank, National Association 200 North Ridgeway Drive Cleburne, TX 76031 Full Service B&M $121,223
    First Financial Bank, National Association 2915 Fall Creek Highway Granbury, TX 76049 Full Service B&M $33,854
    First Financial Bank, National Association 29818 Fm 1093 Suite 100 Fulshear, TX 77441 Full Service B&M $38,037
    First Financial Bank, National Association 301 Edwards Merkel, TX 79536 Full Service B&M $20,183
    First Financial Bank, National Association 301 West Beauregard Street San Angelo, TX 76903 Full Service B&M $633,315
    First Financial Bank, National Association 33 Highway 75 North Huntsville, TX 77340 Full Service B&M $197,868
    First Financial Bank, National Association 3300 South 14th Street Abilene, TX 79605 Full Service B&M $240,869
    First Financial Bank, National Association 3400 Hwy 21 E Bryan, TX 77808 Full Service B&M $55,590
    First Financial Bank, National Association 3471 Knickerbocker Road San Angelo, TX 76904 Full Service B&M $327,655
    First Financial Bank, National Association 3515 Dowlen Road Beaumont, TX 77706 Full Service B&M $94,281
    First Financial Bank, National Association 3555 Billy Hext Road Odessa, TX 79765 Full Service B&M $56,071
    First Financial Bank, National Association 3563 Riley Fuzzel Rd Spring, TX 77386 Full Service B&M $8,012
    First Financial Bank, National Association 400 Big Bend Trail Glen Rose, TX 76043 Full Service B&M $130,971
    First Financial Bank, National Association 5257 Buffalo Gap Road Abilene, TX 79606 Full Service B&M $286,145
    First Financial Bank, National Association 5424 Fm 1488 Magnolia, TX 77354 Full Service B&M $49,342
    First Financial Bank, National Association 608 West Hale Ave Decatur, TX 76234 Full Service B&M $105,184
    First Financial Bank, National Association 609 East Rock Island Boyd, TX 76023 Full Service B&M $61,643
    First Financial Bank, National Association 701 North Pine Abilene, TX 79601 Limited, Drive-thru $0
    First Financial Bank, National Association 718 Elm Street Clyde, TX 79510 Full Service B&M $76,180
    First Financial Bank, National Association 745 Adams Drive Weatherford, TX 76086 Full Service B&M $38,376
    First Financial Bank, National Association 8535 Central Mall Dr Port Arthur, TX 77642 Full Service B&M $142,597
    First Financial Bank, National Association 891 Keller Parkway, Suite 100 Keller, TX 76248 Full Service B&M $122,402
    First Financial Bank, National Association 909 Stevens Street Bridgeport, TX 76426 Full Service B&M $124,304
    First Financial Bank, National Association 912 N. 16th Street Orange, TX 77630 Full Service B&M $397,048
    First Financial Bank, National Association 920 North Willis Abilene, TX 79603 Full Service Retail $15,560
    First Financial Bank, National Association 1010 North Judge Ely Boulevard Abilene, TX 79601 Full Service B&M $95,563
    First Financial Bank, National Association 1015 West Northwest Highway Grapevine, TX 76051 Full Service B&M $41,827
    First Financial Bank, National Association 10521 Fm 1097 West Willis, TX 77318 Full Service B&M $43,702
    First Financial Bank, National Association 106 Main Street Ranger, TX 76470 Full Service B&M $51,095
    First Financial Bank, National Association 1120 Fm 1189 Millsap, TX 76066 Full Service B&M $49,562
    First Financial Bank, National Association 11399 Highway 105 East Conroe, TX 77303 Full Service B&M $26,464
    First Financial Bank, National Association 1214 North Main Street Wetherford, TX 76086 Full Service B&M $62,031
    First Financial Bank, National Association 125 North Main Trent, TX 79561 Full Service B&M $10,905
    First Financial Bank, National Association 132 Hill Street Albany, TX 76430 Full Service B&M $26,773
    First Financial Bank, National Association 1345 Barrow Street Abilene, TX 79605 Full Service Retail $25,268
    First Financial Bank, National Association 14125 Liberty Street Montgomery, TX 77316 Full Service B&M $61,339

    For 2021, First Financial Bank had 82 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $375,732
    Net interest income $369,637
    Total noninterest income $105,712
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $21,156
    Trading account gains and fees $0
    Additional Noninterest Income $84,556
    Pre-tax net operating income $261,246
    Securities gains (or losses, -) $689
    Income before extraordinary items $219,218
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $219,218
    Minority interest net income $0
    Net income $219,218
    Sale, conversion, retirement of capital stock, net $992
    Net operating income $218,639

    First Financial Bank's gross interest income from loans was $375,732,000.
    First Financial Bank's net interest income from loans was $369,637,000.
    First Financial Bank's fee based income from loans was $21,156,000.
    First Financial Bank's net income from loans was $219,218,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,095
    Provision for credit losses $-1,137
    Total noninterest expense $215,240
    Salaries and employee benefits $125,042
    Premises and equipment expense $20,616
    Additional noninterest expense $69,582
    Applicable income taxes $42,717
    Net charge-offs $981
    Cash dividends $84,500

    First Financial Bank's interest expense for loans was $6,095,000.
    First Financial Bank's payroll and benefits expense were $125,042,000.
    First Financial Bank's property, plant and equipment expenses $20,616,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $10,725,097
    Deposits held in domestic offices $10,725,097
    Deposits by Individuals, partnerships, and corporations $9,010,003
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,652,590
    Deposits by Commercial banks and other depository institutions in U.S. $62,504
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,006,322
    Demand deposits $1,211,365
    Nontransaction accounts $8,718,775
    Money market deposit accounts (MMDAs) $6,876,818
    Other savings deposits (excluding MMDAs) $1,380,543
    Total time deposits $461,415
    Total time and savings deposits $9,513,732
    Noninterest-bearing deposits $3,870,028
    Interest-bearing deposits $6,855,069
    Retail deposits $10,573,753
    IRAs and Keogh plan accounts $69,816
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $13,062,060
    Cash & Balances due from depository institutions $528,585
    Interest-bearing balances $323,533
    Total securities $6,537,957
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,363,317
    Loan and leases loss allowance $63,465
    Trading account assets $0
    Bank premises and fixed assets $147,997
    Other real estate owned $0
    Goodwill and other intangibles $316,056
    All other assets $168,148

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $13,062,060
    Total Liabilities $11,471,499
    Total deposits $10,725,097
    Interest-bearing deposits $6,855,069
    Deposits held in domestic offices $10,725,097
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $650,099
    Trading liabilities $0
    Other borrowed funds $21,052
    Subordinated debt $0
    All other liabilities $75,251

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,363,317
    Loan and leases loss allowance $63,465
    Total loans and leases (domestic) $5,426,782
    All real estate loans $3,779,075
    Real estate loans in domestic offices $3,779,075
    Construction and development loans $749,048
    Residential 1-4 family construction $265,463
    Other construction, all land development and other land $483,585
    Loans secured by nonfarm nonresidential properties $1,392,387
    Nonfarm nonresidential secured by owner-occupied properties $820,836
    Commercial real estate & other non-farm, non-residential $571,551
    Multifamily residential real estate $51,263
    1-4 family residential loans $1,369,373
    Farmland loans $217,004
    Loans held in foreign offices $0
    Farm loans $97,991
    Commercial and industrial loans $806,629
    To non-U.S. addressees $0
    Loans to individuals $528,403
    Credit card loans $0
    Related Plans $6,662
    Consumer Auto Loans $405,019
    Other loans to individuals $116,722
    All other loans & leases $214,684
    Loans to foreign governments and official institutions $0
    Other loans $36,374
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $25,915
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $21
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Financial Bank had $5,363,317,000 of loans outstanding in 2021. $3,779,075,000 of loans were in real estate loans. $749,048,000 of loans were in development loans. $51,263,000 of loans were in multifamily mortgage loans. $1,369,373,000 of loans were in 1-4 family mortgage loans. $97,991,000 of loans were in farm loans. $0 of loans were in credit card loans. $405,019,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,035 $473,851 $232,851
    Nonfarm, nonresidential loans - <$100k 369 $15,371 $41,656
    Nonfarm, nonresidential loans - $100-250k 656 $75,839 $115,608
    Nonfarm, nonresidential loans - $250k-1MM 1,010 $382,641 $378,852
    Commercial & Industrial, US addressed loans - <$1MM 5,714 $358,898 $62,810
    Commercial & Industrial, US addressed loans - <$100k 4,340 $117,009 $26,961
    Commercial & Industrial, US addressed loans - $100-250k 837 $86,102 $102,870
    Commercial & Industrial, US addressed loans - $250k-1MM 537 $155,787 $290,106
    Farmland loans - <$1MM 677 $91,194 $134,703
    Farmland loans - <$100k 235 $10,886 $46,323
    Farmland loans - $100-250k 281 $36,433 $129,655
    Farmland loans - $250k-1MM 161 $43,875 $272,516
    Agriculture operations loans - <$1MM 984 $43,382 $44,087
    Agriculture operations loans - <$100k 771 $17,670 $22,918
    Agriculture operations loans - $100-250k 150 $13,738 $91,587
    Agriculture operations loans - $250k-1MM 63 $11,974 $190,063